Personal Loans
Your Ambitions. Our Solutions.
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Personal Loans
Your Ambitions. Our Solutions.
Personal
Loans
Manage life’s big moments and expenses with personal loans up to $30,000 that feature flexible repayment terms up to 8 years. Your signature paves the way to heightened financial empowerment.
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Share Secured Loans
Establish or build your credit by borrowing against the funds you already have on deposit. Expand your purchasing power while growing your borrowing power at a great low rate.
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Personal | Share Secured LoansImprove your credit standing. | |
|---|---|---|
| Maximum loan amount | $30,000 | 90% of share account |
| Repayment terms | Up to 8 years | Up to 96 months |
| Credit report required | Yes | No |
| Variable rate |  | |
Loans
| Maximum loan amount | $30,000 |
|---|---|
| Repayment terms | Up to 8 years |
| Credit report required | Yes |
| Variable rate | |
| Maximum loan amount | 90% of share account |
|---|---|
| Repayment terms | Up to 96 months |
| Credit report required | No |
| Variable rate | |
Calculate Your Future
Use our convenient calculators to inform your financial strategy. Estimate how much you’ll have saved in the future, how much you should contribute to savings, and more.
Calculators
“They sped up my loan application so I could help
my daughter with her closing costs.”
– Paula G.
Calculate Your Future
Use our convenient calculators to inform your financial strategy. Estimate how much you’ll have saved in the future, how much you should contribute to savings, and more.
Calculators
“They sped up my loan application so I could help
my daughter with her closing costs.”
– Paula G.
More to Know
Secure Your Future
Share secured loans from NCPD Federal Credit Union use the available funds in your Share Savings Account as collateral, helping you build your financial health.
- No credit check required
- Automatic approval for up to 90% of your available funds
- Funds in your Share Savings Account will continue to earn dividends
- Great low rate
Borrow for Better
A member in good standing with NCPD Federal Credit Union can apply for
a personal loan to help with a variety
of costs, such as tuition or family emergencies.
Bank From Anywhere
Bank fast on the go with our highly rated Mobile Banking App, featuring advanced security measures and powerful tools
to let you manage your accounts, loans, and lines of credit anytime, anywhere.
Frequently Asked Questions
With a personal loan from NCPD Federal Credit Union, you can borrow up to $30,000 based on your creditworthiness, without collateral. A share secured loan, on the other hand, lets you use the funds you already have on deposit with NCPD FCU as collateral, so your creditworthiness doesn’t impact your eligibility. Because of this, share secured loans are ideal for those with no established credit
or poor credit who want to improve their credit standing.
Share secured loans from NCPD Federal Credit Union have a rate of 1.50% APR over the last regular declared dividend rate on a regular Share Savings Account, excluding any bonus dividend rate. The interest rate will reset on the first day of each quarter if necessary. The latest rates are posted on our website for convenience.
You must be a member of NCPD Federal Credit Union and be in good standing with the Credit Union to be eligible for a personal loan. Waiting periods for new memberships may apply.
Get Answers. Get Started.
Our knowledgeable team is ready to help you realize your financial potential.
Find a Branch Contact UsFrequently Asked Questions
With a personal loan from NCPD Federal Credit Union, you can borrow up to $30,000 based on your creditworthiness, without collateral. A share secured loan, on the other hand, lets you use the funds you already have on deposit with NCPD FCU as collateral, so your creditworthiness doesn’t impact your eligibility. Because of this, share secured loans are ideal for those with no established credit
or poor credit who want to improve their credit standing.
Share secured loans from NCPD Federal Credit Union have a rate of 1.50% APR over the last regular declared dividend rate on a regular Share Savings Account, excluding any bonus dividend rate. The interest rate will reset on the first day of each quarter if necessary. The latest rates are posted on our website for convenience.
You must be a member of NCPD Federal Credit Union and be in good standing with the Credit Union to be eligible for a personal loan. Waiting periods for new memberships may apply.
Get Answers. Get Started.
Our knowledgeable team is ready to help you realize your financial potential.
Find a Branch Contact UsMore for
Your Life
Have other goals? You’ve
got options.
HELOC
Credit Cards
Auto Loans
Recreational Vehicle Loans
Share Savings
New Recruit Loan
If you plan to join or have joined the police academy, NCPD Federal Credit Union’s new recruit loan can help
you ease into your new career.
- $2,000 loan with 0% interest for two years
- Payments made through Payroll Deduction
- Exclusively available to new police academy recruits
